
Driving can be a dangerous activity, with thousands of people getting into accidents every day. While you can avoid many accidents with good safety practices and defensive driving, sometimes there’s nothing you can do. If you ever find yourself at fault for an accident, here’s what you need to know.
At-Fault States
Every state has different laws about auto insurance, but there are two main categories: at-fault states and no-fault states. An at-fault state will try to determine who is in the wrong for the accident, and that person or their insurance must cover the costs of the accident.
No-Fault States
On the opposite end of the spectrum are no-fault states. No-fault states don’t consider fault when determining insurance coverage. These states require that both sides of an accident use their insurance to pay for the accident, regardless of who is at fault.
If You Do Not Have Auto Insurance
If you get into an accident as a driver and don’t have insurance, the aftermath can be expensive. First, you’ll need to pay out of pocket for repairs and injuries. This can add up quickly if you’re at fault, and the courts will decide how much you should pay for the accident.
Punishments for Driving Without Insurance
Driving without insurance is not only expensive but also illegal. Depending on the state, you may face fines and permanent demerits to your record in addition to jail time. For example, Washington uses SR22 as a form of punishment for those who get into an accident without insurance. SR22 is just one possible outcome for those who are responsible for a car accident.
Put simply, what happens when you’re at fault for an accident depends on local laws. Your insurance coverage and costs of the accident change if you’re in an at-fault or no-fault state and the status of your insurance.
More News From This Category
Thu, 11 Sep 2025 07:00:19 +0000
On September 11, 2001, the world changed forever. The coordinated terrorist attacks on the World Trade Center in New York City, the Pentagon in Washington, D.C., and United Airlines Flight 93 over Pennsylvania claimed nearly 3,000 lives. They left an indelible mark on global consciousness. Twenty-four years later, in 2021, the United States and the world paused to remember not only the tragedy but the resilience, unity, and humanity that emerged in its wake.
Read More ...
Fri, 05 Sep 2025 06:10:39 +0000
On the night of September 7–8, 2025, the skies will unveil one of the most dramatic spectacles of the year: a total lunar eclipse, famously known as a Blood Moon. As Earth slips between the Sun and the Moon, our planet’s shadow will bathe the lunar surface in a haunting crimson glow—an ancient omen, a scientific marvel, and a spiritual invitation all at once.
Read More ...
Thu, 04 Sep 2025 15:36:43 +0000

Wildland firefighting ranks high among the most physically demanding careers. Seasonal firefighters who are new to the profession often underestimate the intense physical toll this job takes on the human body. Success in the field depends heavily on proper conditioning before you ever set foot on a fire line.
Read More ...
Wed, 03 Sep 2025 15:34:59 +0000

Artificial intelligence has transformed how companies recruit talent, but this technological revolution raises critical ethical questions. Whether you’re a hiring manager or a job seeker, understanding the ethical implications of using AI in hiring is key to moving forward safely and responsibly.
Read More ...
Tue, 02 Sep 2025 15:33:00 +0000

Getting HAZMAT certification might seem like extra paperwork, but it's required by law in many jobs across Pennsylvania and beyond. If you handle, transport, or work around hazardous materials, this certification protects you, your coworkers, and your community from serious dangers.
Read More ...